Whether you're a homebuyer or an owner looking to refinance, you probably haven't had much luck in the mortgage interest rate climate in recent weeks. After rates gradually but consistently declined in 2025 , the reverse has occurred this spring. Impacted by overseas conflicts, a rising inflation rate and a stalled Federal Reserve interest rate policy , mortgage interest rates have risen by more than half a percentage point, on average, from where they were in early March (and, briefly, in mid-

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